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Home > Commercial Auto Insurance | Lone Star Insurance Agency - Texas

Commercial Auto Insurance


Commercial Auto Insurance Information

If your business owns vehicles, including cars, trucks and vans, commercial auto insurance can provide essential coverage if they are damaged or in an accident.  


The team of professionals at Lone State Insurance Agency in Burleson, Texas, can work with you to find the policy that fits your unique needs. Contact us today to get started. 


Do I Need Commercial Auto Insurance? 



Personal auto policies typically don’t cover business uses of automobiles. If your business’s drivers are in an accident or if your vehicles are damaged or stolen, a commercial auto policy may cover the associated expenses. Additionally, state laws may place requirements on which coverages are necessary. 


What’s Does Commercial Auto Insurance Cover? 


Commercial auto insurance typically offers several types of coverage, including: 


  • Liability coverage—This may provide coverage if your business’s driver is at-fault in an auto accident. It may provide compensation for third-party property damage or bodily injuries, and it may pay for associated legal expenses. Texas state law dictates minimum amounts of required liability coverage.

  • Collision coverage—This may pay for damage to your business’s vehicle after a collision with another automobile or object (e.g., fence).

  • Comprehensive coverage—This may help pay for damages or losses after a non-collision incident involving your business’s vehicle (e.g., vandalism, theft or fire damage).

  • Uninsured/underinsured motorist (UM/UIM) coverage—This may provide coverage if the at-fault driver of the other vehicle involved in an accident with your business’s vehicle does not have insurance or does not have high enough limits to cover the cost of the associated damages.

  • Medical payments coverage—If your business’s driver is in an accident while driving a company vehicle, this may help pay for the driver’s and their passengers’ medical bills, regardless of fault.

  • Personal injury protection (PIP)—Like medical payments coverage, this may provide payments for injuries to your business’s driver or their passengers after an accident. Additionally, PIP may provide compensation for their resulting lost income. Texas law stipulates policies must include personal injury protection, or the policyholder must sign a waiver declining coverage.


Additionally, other policies and endorsements may be available, including: 

  • Hired/non-owned auto liability insurance

  • Roadside assistance

  • Rental car reimbursement



Your agent can discuss available options, limits and exclusions and how they may fit with your business’s needs. Reach out to us for more information. 


How Much Is Commercial Auto Insurance? 


The cost of commercial auto insurance depends on factors, including the value, number and use of the insured vehicles. Your business’s location and your selected coverages may also impact premiums. 


Contact Us  


The team at Lone State Insurance Agency can help you secure the proper commercial auto insurance policy. Contact us today for more information or a quote. 

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Burleson Location

240 NW Newton Drive
Burleson, TX 76028

Phone: (817) 426-2886
Fax: (817) 426-2887
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Cleburne Location

1200 W. Henderson Street Suite A
Cleburne, TX 76033

Phone: (817) 641-3676
Fax: (817) 426-2887

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